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Friendly People Group
In this Group: Garmai, William , Nowai, Gonto, Kpana
Garmai H. is the leader of a group of five borrowers called Friendly People Group. She is 36 years old and married with four children. Her children range in age from 6 to 19 years and their educational levels are from kindergarten to 9th grade. She did not continue her education after 11th grade due to the outbreak of the Liberian civil crisis in 1990. Garmai and her family live and work in the Bernard Farm community on Kakata Highway, Margibi County, Liberia.

Garmai’s business is the sale of general goods such as insecticides, candles, matches, torch lights, etc. She buys her goods from wholesalers and sells retail from a tabletop in front of her house to residents of Bernard Farm. She has been running this business for more than 18 years and hopes to own a shop in the near future.

Garmai started selling in neighboring Guinea when she was there as a refugee. She was able to save a little starter capital through doing laundry for Guineans, then got into her general goods sales. When Garmai returned home, she continued doing her business.

Garmai talks to her customers in a good manner in order to encourage them to continue buying from her. She needs this loan to purchase additional general goods for resale. She dreams of giving her children education as a gift and helping them become future leaders.

In the photo that accompanies this profile, Garmai is the one holding the sign. Kpana T. is in the lower right inset photo.

About LEAP:

The Local Enterprise Assistance Program (LEAP) is Liberia's largest and oldest continuously operating microfinance institution, with 13 branches across the country. Founded in 1994, the non-profit organization has survived periods of civil war and severe socio-economic hardship. LEAP, a Kiva partner, seeks to help rebuild post-conflict Liberia through its group and individual loans to micro- and small-scale entrepreneurs and puts emphasis on lending to women.

Additional Information

Note on LEAP:

During routine partner monitoring, Kiva learned that LEAP's delinquency data may be understated due to technical problems with their reporting software. Because this report is key to our analysis of the risk of this partner, delinquency or default rates on loans to this partner may be higher than we expect. For further details, see LEAP’s partner page on Kiva.

This is a Group Loan

In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.

Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.

About Liberia

  • $700
    Average annual income
  • 0
    View loans »
    Liberia Loans Fundraising
  • $3,038,900
    Funds lent in using Kiva
  • 71.0
    Liberia Dollars (LRD) = $1 USD

Success!! The loan was 100% repaid

A portion of Friendly People Group's $750 loan helped a member to purchase additional general goods for resale such as insecticides, candles, matches, and torch lights.
100% repaid
Repayment Term
6 months (Additional Information)
Repayment Schedule
Jan 20, 2010
Jan 26, 2010
Currency Exchange Loss:
Jun 17, 2010